The Best International Money Transfer Services in Saudi Arabia in 2026

Best services for sending money abroad from Saudi Arabia

Choose the recipient outcome first, because a strong bank-transfer service can still be unsuitable when your recipient needs cash or a wallet.

Enjaz

Enjaz gives you several ways to fund and send, including formal SWIFT transfers.

The standalone Enjaz account can be opened digitally and funded from Bank Albilad, another local bank or an ATM cash deposit.

You can also fund a transfer with mada, which is useful when your money sits in another Saudi bank.

Enjaz Easy supports cash collection or bank credit, with a SAR14 app transfer fee including VAT.

Western Union through the app starts at SAR16.10 and varies by destination, while centre pricing can be higher.

Enjaz SWIFT credits a foreign bank account through correspondent banks and normally takes one to three days.

I would choose Easy for a supported routine corridor and SWIFT when the beneficiary needs a formal account payment.

The separate Enjaz App does not require the same Bank Albilad current account setup used by Albilad's own app and online banking.

STC Bank

STC Bank removes the separate transfer fee for Pakistan transfers from SAR375.

STC Bank replaced the former stc pay product and now operates as a Saudi Central Bank licensed digital bank.

Its international remittance route uses Western Union and reaches bank accounts, cash locations or supported wallets across more than 200 countries.

For Pakistan, the transfer fee is waived from SAR375 and costs SAR15 below that amount, before VAT and currency conversion.

Transfers to India, Bangladesh, Egypt and the Philippines cost SAR15 before VAT, with the exchange rate adding to the overall cost.

That SAR15 fee alone equals 3% of a SAR500 transfer, compared with 0.3% of SAR5,000 before VAT and exchange costs.

For smaller transfers outside Pakistan, I would compare the received amount with Enjaz because a fixed fee takes a larger share of the payment.

Tracking inside the service also helps when the transfer has left the sender account but the recipient is still waiting.

urpay

urpay lets you compare several transfer networks and recipient methods from one wallet.

The wallet can be funded through a Saudi bank account, eligible card, SADAD, Apple Pay or Al Mubasher after verification.

The SAR20,000 monthly recharge limit also covers money loaded for other spending, which can leave less capacity for an overseas payment.

Inside the app, you can choose between urpay Tahweel, TransFast, Western Union and MoneyGram where the corridor supports them.

Recipient options can include bank deposit, cash pickup or wallet delivery, depending on the selected intermediary and destination.

The final fee changes with the network, amount, currency and exchange rate, while some fees may remain non-refundable after cancellation or decline.

Compare the available networks for the same amount and payout method, since a lower fee can come with a weaker exchange rate.

I would use it when payout choice is more useful than branch help, especially if the account is already funded.

Tahweel Al Rajhi

Tahweel Al Rajhi combines remittance centres with app, ATM and point-of-sale access.

The service operates more than 135 dedicated remittance centres and can also be accessed through over 520 Al Rajhi Bank centres.

That physical network is useful when cash handling, document help or face-to-face support is more important than a wallet-only process.

Digital access remains available through the Tahweel mobile app, urpay, ATMs and supported point-of-sale transfer channels.

Ask the centre for the total SAR payment and recipient amount before paying, including any charges for the delivery method you need.

I would choose Tahweel over urpay when centre access helps, while urpay remains easier for comparing several networks within a wallet.

Do not assume the price inside urpay matches the price at a Tahweel centre simply because both sit within the Al Rajhi ecosystem.

SAB

SAB suits existing customers making bank transfers or eligible payments between linked HSBC accounts.

Its international remittance service can deliver to an account, cash location, wallet or eligible card, depending on the route.

An electronic transfer to a bank outside Saudi Arabia costs SAR40 before VAT, with a lower SAR15 charge for certain destination-currency transfers.

That lower charge covers Egypt, Pakistan, India, Bangladesh, Sri Lanka and the Philippines when you select the applicable electronic transfer service.

A branch transfer costs SAR75, and a SWIFT investigation costs SAR150, making digital setup cheaper before exchange and correspondent charges.

These are bank charges rather than total transfer costs, so the exchange rate and any overseas deductions still need checking.

Global Transfer is limited to qualifying SAB Private, Premier or Advance customers with eligible linked HSBC accounts in supported countries.

You can move up to SAR1 million daily through that own-account service, making it useful for transferring savings between eligible linked accounts.

I would use SAB for an existing banking relationship or linked-account transfer, rather than opening it for one small cash payment.

Western Union through Ersal

Western Union through Ersal supports direct mada funding for cash pickup or bank deposits.

Saudi customers can send online, in the app or at an Ersal location using a Saudi-issued mada card where supported.

The online limit is SAR10,000 per transfer, so a larger payment requires a separate limit check with Ersal or another service.

Cash can be available within minutes, subject to identification, opening hours, recipient action and transaction review.

Online identity verification can use Absher, with an Ersal visit available when in-person verification is needed.

Ersal operates the Saudi service under a Saudi Central Bank licence, working with Western Union for international delivery.

Direct Ersal pricing can differ from the Western Union rail inside STC Bank, urpay or Enjaz.

I would choose Ersal for mada-funded cash collection, then compare STC Bank when the recipient can use a bank or wallet route.

What to check before choosing a Saudi transfer service

Match the recipient outcome

Choose bank deposit for a formal beneficiary, cash pickup for someone without an account and wallet delivery only where the quote names it.

The same Western Union network can appear inside several Saudi services, but its funding, price and customer limit can differ in each one.

Compare fee, VAT and exchange rate separately

A transfer fee may be quoted before or including VAT, depending on the service and tariff.

The fee still excludes the exchange-rate difference and possible overseas-bank deductions, which can change the amount received more substantially.

Our guide to the cheapest ways to send money abroad from Saudi Arabia explains the full-cost comparison in more detail.

Check the exact account limit

Product limits can depend on the wallet, customer tier, destination, funding method and source-of-funds review.

For a large payment, ask about the account limit and required income documents before moving money into a wallet.

Keep your transfer reference

Save the receipt and tracking number until the recipient confirms the money, particularly for cash or correspondent-bank payments.

If a transfer remains delayed, ask the sending service to trace it before escalating through its complaint process and SAMA channels.

Cheapest international money transfer services in Saudi Arabia

STC Bank removes the transfer fee for Pakistan payments from SAR375, while Enjaz Easy charges SAR14 including VAT through its app.

urpay can still be cheaper on a specific intermediary or amount, but its final fee and exchange rate need checking inside the wallet.

Tahweel and Ersal also require a matched corridor quote, especially when comparing centre service with a digital transfer.

Fastest international money transfer services in Saudi Arabia

Enjaz Easy and Western Union cash can be fast on eligible routes, while SWIFT and bank settlement take longer.

Domestic SARIE speed does not establish the timing of an overseas payment, even when the SAR funding moves quickly.

Our guide to the fastest ways to send money abroad from Saudi Arabia covers urgent route selection separately.

Easiest services for sending money abroad from Saudi Arabia

I would choose around the account, wallet or centre already available, provided the recipient method and total quote still fit.

Best services for large transfers from Saudi Arabia

SAB is my pick for a qualifying own-account transfer, while Enjaz or Tahweel may fit a documented beneficiary payment.

The SAR1 million SAB limit applies only to qualifying linked-account Global Transfers, so check the separate limit for other beneficiaries.

For a large payment, complete source-of-funds checks before fixing a deadline or assuming several smaller transfers will be accepted.

How to send money abroad from Saudi Arabia

Choose the service that fits your recipient and funding method, then compare its complete SAR quote with another suitable route.